avril 2015

claiming back charges under financial hardship

dimanche 19 avril 2015

I wish to claim back my charges from hsbc under the Financial hardship. Do i claim back the actual amount or will i add interest and at what rate. I have found a spreadsheet which allows me to add interest at 29.9 % which is mostly used in calculating credit cards charges, can i use this same spreadsheet. Thank you and will appreciate your prompt reply.

claiming back charges under financial hardship

met mcdonalds gatwick airport 10th April parking charge notice via post

Hi I wonder if anyone can help me

I went to gatwick airport to pick my uncle up its my car and I was driving

I parked on the mcdonalds there had something to eat inside etc and went in the petrol garage there to buy some drinks for our long journey home

I recently received a parking charge for £100 or reduced to £50 if pay within 14 days by the 24th of April

What should I do appeal it and if so what do I say

Many thanks for any response I get as this is the first time I ever had this happen and wonder what to do for the best

Kind regards

Jordan

I forgot to mention I only overstayed 14 mins it states on the letter

met mcdonalds gatwick airport 10th April parking charge notice via post

Pregnant work disciplinary action

hi everyone I'm new and really desperate for some advice please.

im 17 weeks pregnant with my second baby, from the start I have suffered from severe morning sickness and have been in and out of hospital, around the beginning of March I was diagnosed with hyperemisis grevardrum and was signed off from work for 4 weeks.

In this time it was split between 2 sick notes... First one dated 6th of March to the 20th of March... Second one dated 19th of March to the 3rd of April. Both my partner and my mother took both sick notes into my employer as I was to ill to do so myself. They were handed in as soon as I received them from my GP

i returned to work as planned, on my first day back was summoned into the office I thought to do my return to work form which it was but also for a formal investigation as to why I never showed up to work and failed to notify them of my absence. I explained I had sick notes covering me for this period etc. they noted this down and continued that I failed to keep in contact with them enough when I did.

its now been taken to disaplinary I have a union rep involved that is coming with me to my hearing next week but I'm so nervous.... I contacted HR who were meant to phone me back Friday as I questioned them about this as my sick notes which are on my file cover me for this whole time... But no one called me back! I'm treated like absolute crap by them and I feel physically sick with it all

During my my first pregnancy I was bullied so severely by the store manager that I was signed off work from 20 weeks till end of pregnancy with depression, I only returned there because she had left but now I feel it's starting all over again. I feel so down and having trouble sleeping with the worry of this .

ive also contacted asolicotor that agrees this is wrong and has agreed to take it on on a no win no fee basis if I am dismissed by them.

ive also this evening read I can take them to a tribunal for injury to feeling I have no idea how to go about this the costs etc would I get any assistance if on a low income! Would it even be worthwhile ?

Thank you in advance

holly x

Pregnant work disciplinary action

Urgent advice needed for brother in law

Hi there,

My brother in law's parents are currently going through a divorce, and he currently lives with his mum.

The problem is as follows:

He has a high amount of debt (around 20k) and no income. He left his job due to his mental health (he suffers from depression and a gambling addiction, though the latter is undiagnosed). As he has no income, he has no money in order to pay back his debts. The main issue with this is his car, which is on financing for around £13k. He has £9k of this still to pay back.

He has accepted that he is likely to default and have to give the car back, but, what would be his best option? He has a small child (18 months old), and needs a vehicle in order to look after him, and find work again.

I have told him to speak to his creditors to explain his current situation, but I don't know whether bankruptcy would be better. He said that when he purchased the car, he thought it was for less than he signed (I'm getting him to send me the paperwork to look through for this), but this is hardly likely to stand up to any contractual challenge.

Thanks,

K.

Urgent advice needed for brother in law

Tenant overstaying contract

Somebody is renting out a property from a housing letting company and they declined to renew their contract due to payment issues . They have not left and are continuing to live there. As they will not be classed as squatters, does anyone have any ideas what to do next as we have other people wanting to rent the property.

Tenant overstaying contract

probate 10 years later

Good afternoon to all, i have posted on here few months ago regarding my mothers property as she died intestate. There are four siblings and my sister has never left the parental home. So here we are now after going through probate, we now go to a solicitor to change the name from my mothers name to ours, only to find out my dads name is the only name on the deeds and my mothers has never even been on. Can anyone advise as to what we do now. Do we have to go back to probate with my dads details he has been dead 10 years now. All the probate we have done was in my mothers name as we had no idea dads name was the only one on the house. Many thanks.

probate 10 years later

Final solicitors bill...

Hello Folks, I have just found this website and wonder if anyone can give me some info and or advise. I have just been through a long drawn out set of legal proceedings where I have been defending my ex husbands application to downward vary a joint life spousal maintenance order. The final hearing was last Nov and It delivered a very unfavourable and unexpectedly dissapointing result on my behalf, my solicitor admited himself it was unforeseen etc and there was a string of erros made in the finalising of the court order etc..the barrister instructed by my solicitor failed to provide any notes to ,explain the judges descision/ reasoning. There is so much background here and would take me ages to write it all but to cut to my question

Why hasnt the solicitor sent me a final bill? I had paid as we went along so imagine the final amount owing is around 2k.. but suspect he never got councels notes and was unable to debreif me adequately etc.. how long is reasonable/acceptable to be expecting a bill? Its 5 months now, could he have decided to waive the final bill on account that it all went pear shaped? Obviously Im not going to chase the bill as I really cant afford to pay it...but its a worry:tinysmile_angry_t::tinysmile_angry_t:

Dollymix

Final solicitors bill...

12 weeks equal treatment - can I waive my right to it?

Good day to you All,

That's my first post in here , I hope I will not breech any regulations or be rude if I go straight to the point.

Let me apologise for my written English in advance, as you will notice soon its not my native language, any confusion, please let me know and I will try to clarify it.

I have a query regarding to Agency Workers Regulations 2010. I have been working for the same agency in the same place in similar roles(production operative) continuously from the beginning of 2011. Just before the new regulations of equal treatment came into effect on 01.10.2011 I was asked by my agency to sign an new contract. I do not have to explain what would happen if I did not sign it freely (unemployment.)

The new contract was prepared to avoid potential claims against the new regulations(mainly basic pay, that after 12 weeks of qualifying period should represent the pay that hirer offers to directly employed.)

Agency came up with a contract that reads two interesting clauses, that for me , seem to be illegal:

1. ... during the currency of this agreement, you shall have no entitlement to the rights conferred by Regulation 5 of Agency Workers Regulations...

2. I acknowledge that by entering into this Agreement I am foregoing any future entitlement I may have to equality of pay under Agency Workers Regulations (as "pay" is defined under Regulation 5 of the Agency Workers Regulations)

In my humble opinion its is an illegal agreement as it leads to an illegal end(comparison to signing contract for murder?)

Can I ask for your opinion and advice whether it is worth to take it to the tribunal, court? What would you do if you were facing similar situation?

I do not want to start an dispute without knowing I can prove my rights.

Thank you in advance.

Regards,

Tonny

12 weeks equal treatment - can I waive my right to it?

Two defaults for same debt

Almost identical but not.

Here's the timeline.

In July 2013 I defaulted on a 3 mobile account. This was written as £81 on my credit report under 3 Hutchinsons.

I ignore the debt until September 2014 when I contracted 3 asked them how much I owed them and asked to pay in full. They told me I owed £80.75 (I have in writing) and accepted my offer to pay in full.

My account was updated on 1/10/2014 to settled in full and was marked closed.

Now 6 months after full payment at the end of march I look at my credit report to see another default was added by a debt collection agency. It has the same date of default but there are a few differences firstly it has a red marker on March 2015 (is that fair when I paid in September), it has a different account end date (12/01/2015 which I'm guessing makes it look like I only paid in January?) and worst in my opinion it says I partially settled :(

So now it looks like I've had two defaults in the past with one partially settled and one fully settled. My credit vastly improved when I settled in September, I was able to get a credit builder credit card and interest paying bank accounts. Now my 02 contract has come to an end (always paid on time) and I can't get a new one! And missed out on a HSBC ISA because my score was "too low".

I really don't know how to start fixing this, can anyone give advice?

- - - Updated - - -

Not sure if I can post links but heres my credit report. Also sorry if this is in the wrong forum.

Two defaults for same debt

possible to get chargeing order removed

Hi,i was unemployed and couldn't afford legal help,and because it was a business matter I couldn't get legal aid...subsequently had a ccj against me back in 2011,judge ordered me to pay £10 per month (cause I was unemployed)..started paying in that but a month later there applied for a charging order against my property,.....chargeing order was granted,but I have seen since that maybe this shouldn't have been granted,due to the case of mercantile credit vs ellis...is it possible for me to charge on my property..set aside??...help apprechiated in advance

possible to get chargeing order removed

Barclays Default registered on my Equifax

Dear All,

I have a question and would be grateful if someone could give nme guidance.

I had a payment arrangement to pay Barclaycard via payplan from 2006. Up to 2009 June, I was paying £14.93 a payment arrangement then I started to pay a reduce payment from July of £1.00, Aug 2009 £2.63, Sept £1.00, Oct £4.05, Nov £4.05 and December £4.05 to payplan who paid Barclays accordingly. Then from January 2010 back to the normal payment arrangement that they agreed.

Barclays on the 15/3/2015 (Recently) has stick in a defult notice on my credit file - 24/11/2009 as default. When I raise a query with Equifax, Barclays has come back and said the date was correct, and said the following

"Barclaycard Centre has investigated your query and have told Equifax that, 'The default date of November 2009 is correct. Upon until June 2009 was the customer was paying enough to keep the account on an acceptable repayment plan so the credit file was updated as an arrangement. After the customer reduced the payment in July 2009 the arrangement then broke and we resumed collection activity, it was shortly after this point the formal demand was issued and default was registered.'"

My undewrstanding is that under the code of

***33 Notices to comply with Sections 13.7 of the Banking Code5 and 7.5 of the Lending Code6 should provide adequate warning. A notice of intention to file a default can be sent with a formal default notice serunder Section 87 of the Consumer Credit Act 1974. Where lenders arnot required to issue these notices, they can send an intention to filedefault through a final demand, letter or relevant account statement, which should make clear not only the intention to file but also the date of the intended default. The date should allow the customer enough time to respond properly. Lenders who have to provide a notice of intention to file a default under a relevant code of practice should be aware that not complying with the code may be taken into account in any assessment of the fairness of their processing.

MY question is :

Can I go back to barclays and ask for a default notice as I have not received any at that time

Are Baclays allowed to issue a default notice within 5 months what is the normal default months

Since the arrangement was done via payplan, is there anyways that I can argue their decision and if there is an expert in this filed please PM me and I am happy to pay for the proffessional fees if this can be resloved.

Thank you in advance

Barclays Default registered on my Equifax

Delivery Mess - Sue for losses

Hi Folks,

After having some success with advice from this brilliant forum before I'm back to ask for your help again...yeah, sorry about that :(

Story is this: Goods ordered from online retailer, extra paid for next day delivery. Goods HAD to be delivered next day as they were to come with me to a job the day after delivery & I was leaving early. 2 items ordered, sent to me by the supplier by 2 different couriers (go figure! Should've known it'd be a mess at this point!)

On the morning of the delivery I was told that the important item wasn't going to be delivered as it had not left the couriers depot the night before. I told the courier company I would collect but that they would have to sort out my losses with their client - backed this up with an email to the courier company CEO & the suppliers customer service team. Cue a 120 mile round trip. I sent the suppliers an invoice for £50 in fuel which is exactly what it cost me. I had to have this item & as I understand it my contract was with the supplier not the courier......

Anyway, supplier says they won't pay, says they will fight any chargeback I make against them with the credit card company & that they will defend any legal case, they do refund me the delivery charge which I reject as an insult - they send me a line from their T&Cs which says they will not be responsible for any losses, to which I replied that the law overrides their T&Cs, that they are effectively in breach & that I will take them to court.

As I see it for the amount involved I have little to lose by taking them to court for it to prove a point, letting them defend it & relying on the common sense of a judge saying "pay the man, your courier screwed up, you recover the loss from them as they have breached their contract with you as a supplier" - right?

Delivery Mess - Sue for losses

Old Cap1 Debt - Help Required..........

Hi All,

I'm new to this Forum and have joined to gain some advice / help on dealing with a Cap1 debt that I last made a payment on back in 30 Dec 2008. In jan 2009 Cap1 were sent a Signed CCA Request letter along with a £1 postal order. According to all of my records it took Cap1 until 12/10/09 to come up with a CCA that had a signature on it by which time (26/06/09) they had issued a default notice with the CRA's on the account. After receiving the signed CCA I wrote to Cap1 (10/11/09) complaining about the way they had handled the account and requesting that they undo the damaged they had done to my records with the CRA's.

Up until last year I'd heard nothing back from Cap1 then all of a sudden a letter hit the door mat to inform me that Cap1 had sold the account to Lowell Finacial. After the usual harassment letter and Signed CCA Request letter had been issued we agreed to disagree on the matter as expected and have bounced backwards and forwards ever since until this week when I received a letter from Fredrickson International. They have said they have been instructed by Lowell to secure repayment of the debt plus to avoid further action I must contact them ASAP by phone and if I don't they will instruct Bryan Carter Solicitors to take legal action against me.

I have decided not to communicate with FI until I have received some solid advice on where to go now.

Hope this makes sense.

I have all dates etc to hand and all the letters I've sent on paper / hard drive.

Thanks in advance.

Jan99

Old Cap1 Debt - Help Required..........

Told to work sleep over night shift at another care home

The senior at a care home 24 miles away is not coping with the position he is in

he is on flexible working so only works day hrs in the weekwhich means he does not work weekends or sleepover night shifts

Sleepover nights involves working

late shift 14:00 - 21:30 working time paid for

sleepover night shift. 21:30 to 07:00. Paid £27 does not count towards Working time

day shift. 0700- 14:00hrs working time paid for

so away for 24hrs not including traveling time

my wife is senior at a care home 5 miles away she has been told by her manager that she will be working at various times at the other care home getting the senior there up to speed , as well as having to work there sleepover nights. And potentialy there weekends The manager basically told her that he can do this and you will have to accept it or leave

her contract does has the clause that says

work were the requirement is needed

question is around the sleepover night shift

can she be made to work it when the other senior only works day hrs during the week

he is on a higher hourly rate of pay

at present my wife Is getting very stressed about this situation she has been loyal to the company for 16 years. And she feels she is being put into a position were she will have to leave

Told to work sleep over night shift at another care home

Right to see half-siblings after death of mother

samedi 18 avril 2015

Hi.

In January last year, my mother unexpectedly passed away leaving behind myself, my four siblings, and my two half siblings to my step dad. My mum and my step dad had been married for almost 8 years when she died, and they had had 2 children together. During this marriage, the relationship between most of my siblings and him was not great, though he did provide for us and my mum very well.

When she died, my eldest sibling was already living away from home studying at university. My other siblings, myself, and my younger half-siblings remained living with him. The house relationship slowly deteriorated, before forcing another of my siblings to leave and move in with his girlfriend. A few months later, another sibling went away to study at university, leaving only myself, an older sister, and my half-siblings at living with my step dad at home.

Shortly after this, my step dad remarried a woman from another country that he had met so that she could move to the UK (there was a relationship, but she couldn't move here unless they got married). This made tensions even worse, and towards the end of last year (mid December) and shortly after my 18th birthday, he kicked me out of the house with no warning. I haven't seen my little siblings since.

A month later, he kicked my only remaining sister living at home out also, and now it is just my younger siblings, my step dad, and his new wife living there. He is not allowing me to see my siblings despite my constant asking to do so. It has now been 4th months since I have seen them, and I wonder if there is anything that I can do legally to force him to allow me to see my little brother and sister.

Right to see half-siblings after death of mother

Old default removed after six years now added again by DCA

Hello,

will make as brief as possible :

2002/3- bought a laptop on 12 months free credit .

2004- tried to pay using my credit card - they refused.

2004-2005 paid each month

2005 oct - business failed insolvent

2006- debt passed to AIC after default placed on file.

2006-2011- paid AIC £1 PCM as arranged by CAB

2011- wrote requesting CCA- never received so debt in dispute .

2012- default falls off file and account closed letter from AIC.

june 2013- letter from Connaught collections informing they own debt and pay up.

2013- request CCA- nothing received so debt in dispute .

2014- letter informing us the company is now called First Credit although same people. Write requesting CCA

To be honest as it was no longer on file we just ignored their letters , it had done it's six years and they had mo evidence of CCA.

OR SO WE THOUGHT

checked credit file (noddle ) as applying for credit card and found that the debt that had already been and gone and been closed and was in dispute had been placed back on the file with a new default date of 06/2014 !!!

i am planning a response but just wanted to get some advice because I know this wrong but we need to sort it out ASAP to remortgage the house .

ideas and /or letter template ?

Old default removed after six years now added again by DCA

unfair dismissal

Hi everyone

I am looking for some advice.....

The company I work for are restructuring and I applied for voluntary redundancy in mid February. I have worked for the company for 5 years and have never had any performance or conduct issues.

On march 2nd someone reported me for leaving a safe unspun... it was locked but the dial wasn't spun. I was investigated and taken to disciplinary. During my disciplinary I was told that they had found further concerns and the would investigate them before concluding the meeting. The following day I was due to find out if I had been accepted for vr but was then told they hadn't made a decision for me, all other employees were finding out but I was told it had nothing to do with my disciplinary. Later that day after emailing my manager she responded and said it was completely due to my disciplinary.

The further concerns of sharing a till against company procedure and leaving a safe unattended whilst I served a customer have now been investigated although they wont tell me how these concerns came about and why they were viewing cctv after I had already admitted leaving the safe unspun.

On the days in question I had a very very heavy work load and felt very stressed, I even asked someone to help relieve my workload. I am also aware of two people who have broken the exact same procedures in the last couple of months and who were not taken to disciplinary for the same allegations.

I am concerned that the company may be looking to dismiss me to avoid paying my redundancy. My disciplinary is now on thursday and I will not find out if I will get redundancy until after it is concluded if they dismiss me I wont find out at all. I have spoken to labour relations who advised me to let the company complete the process, I have not been suspended.

please help

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unfair dismissal

Pregnancy discrimination advice much needed :(

hi everyone I'm new and really desperate for some advice please.

im 17 weeks pregnant with my second baby, from the start I have suffered from severe morning sickness and have been in and out of hospital, around the beginning of March I was diagnosed with hyperemisis grevardrum and was signed off from work for 4 weeks.

In this time it was split between 2 sick notes... First one dated 6th of March to the 20th of March... Second one dated 19th of March to the 3rd of April. Both my partner and my mother took both sick notes into my employer as I was to ill to do so myself. They were handed in as soon as I received them from my GP

i returned to work as planned, on my first day back was summoned into the office I thought to do my return to work form which it was but also for a formal investigation as to why I never showed up to work and failed to notify them of my absence. I explained I had sick notes covering me for this period etc. they noted this down and continued that I failed to keep in contact with them enough when I did.

its now been taken to disaplinary I have a union rep involved that is coming with me to my hearing next week but I'm so nervous.... I contacted HR who were meant to phone me back Friday as I questioned them about this as my sick notes which are on my file cover me for this whole time... But no one called me back! I'm treated like absolute crap by them and I feel physically sick with it all

During my my first pregnancy I was bullied so severely by the store manager that I was signed off work from 20 weeks till end of pregnancy with depression, I only returned there because she had left but now I feel it's starting all over again. I feel so down and having trouble sleeping with the worry of this :tinysmile_cry_t:.

ive also contacted asolicotor that agrees this is wrong and has agreed to take it on on a no win no fee basis if I am dismissed by them.

ive also this evening read I can take them to a tribunal for injury to feeling I have no idea how to go about this the costs etc would I get any assistance if on a low income! Would it even be worthwhile ?

Thank you in advance

holly x

Pregnancy discrimination advice much needed :(

Service Charges Debt

Hi all,

I own my flat and currently owe the management company about £ 20,000 for services and ground rent. I used to pay my charges in full once a year rather than quarterly or monthly. Unfortunately, I was made redundant two years ago and have not paid them at all. The management company/ Landlord have now appointed a solicitor to collect the monies due. The solicitor, are suggesting them writing directly to my mortgagees to request them to discharge my indebtedness. My mortgage is up-to-date and I have plenty of equity in the property. Can someone please advise the process.... Should I let the solicitor make this request? Will the mortgage company agree to this knowing that I am unemployed? Any help please!!!! thanks

Service Charges Debt

strange paperwork from the court?

Hi all,

would like a bit of advice on a case that a friend of mine is involved in. a brief history.

a) received a claim

b) ack service

c) cpr request sent

d) defence filed

e) DQ sent along with a letter requesting the court order the claimant produce documents under CPR

f) claim sent to local court

g) district judge reads paperwork and orders the claimant to re plead their claim and provide documents or the claim be struck out. also orders defendant to file an amended defence should the claimant comply.

h) claimant replies but fails to provide docs ordered by the judge and amazingly even refuses to provide a copy of the agreement !?

i) defendant submits an N244 form requesting the claim be struck out for non compliance of a court order and sends £55 payment for the application

j) court returns the application stating the fee is £155 , the application was made WITHOUT a hearing !!??

k) the defendant re submits the paperwork and encloses payment of £155 as requested by the court

l) court returns the paperwork yet again saying the fee is £50 !!!???

m) defendant re submits AGAIN with payment of £50 as per the courts directions

n) nothing has been heard from the court until today, the court have sent a letter saying this is now a defended claim and have sent out a directions questionnaire !!??

pleasae help i have no idea what is going on here ???????

by the way the defendant submitted an amended defence on time, stating that due to the non compliance of the order , they had difficulty in submitting an amended claim

strange paperwork from the court?

Chamges to Job Role

Hi

I hope someone will be able to offer some advice . My wife works in a Eldery Care home as a Senior Carer and has been there since June last year . Whilst it started quite well it has steadily progressed downwards . In January all staff were asked to take a voluntary 20% pay cut ( "voluntary" in the sense that if they did not volunteer it they would then be put on notice ) . The management have also cut all the kitchen staff hours by half and now Carers are expected to prepare meals etc in addition to caring for the residents . This is not a case of prepared one or two meals but actually preparing and serving lunch for 25 residents . My wife is not trained for this

We accepted the pay cut reluctantly but feel this latest change is simpley too much . In addition to this the Home Manager is for want of a better term a bully who screams and yells at the staff .

It has affected my my wife quite a bit and I would just like to know if there is anything we could do ? It is a Private Care Home and has no HR department to speak of . My understanding is that as my wife has not been there for two years there is very little she can do barring of course leaving and trying to find another job .

Any advise would be welcomed

Chamges to Job Role

MET PCN at Mcdonalds South Hayes

Hi There,

I need a help about a PCN issued to my car for overstaying at Mcdonalds at South Hayes.

The car was not driven by me (registered keeper). The problem is that I kept ignoring the posts which MET was sending me as advised by a number of friends.

The incident occurred back December last year. The driver stayed at the mcdonalds for slightly longer than required but was a legit customer and had a meal there. He was there for just over an hour, waiting for a friend to join him.

Now MET has hired a debt recovery company called Debt Recovery Plus which is threatening court case and a possible CCJ. However the last letter I received from Debt Recovery Plus states "If you have difficulty paying or believe you are not liable for this charge, please phone our payment helpline on...to discuss payment options."

Can anyone please advice what I should do as I believe time to appeal has now gone.

Thanks for the help in advance.

MET PCN at Mcdonalds South Hayes

bryanand carter/lowell claim letter

hi iv recieved a letter of claim from bryancarter for their client lowell they gave me 14 days tpo pay said sum of money or they will advice their client to go to court so iv replied with the litigation letter

Thankyou for your letter dated 7thapril 201 As the letter contains athreat of litigation, it is being treated as a formal letter beforeaction. As such, I refer you to paragraph 1 of the Practice DirectionPre-Action Conduct, which states the purpose of such a letter is to“enable the parties to settle the issues between them” and toencourage the parties to “exchange information”.

Paragraph2.2 (1) of Annex A states you have an obligation to “list theessential documents on which the Claimant intends to rely”. I couldnot identify such a list in your letter, please list the documents soI can see your case against me and request copies of anything that Imay need.

Paragraph3.2 (3) of Annex A allows me to “request further information toenable me to provide a full response”. My request is a request fordocuments as the information I require would come from thosedocuments. Paragraph 5.1 of Annex A states that you should “providethe documents requested within as short a period of time as ispracticable or explain in writing why the documents will not beprovided”.

Irequire copies of the following:

The original credit agreement;

The Default Notice;

The Termination Notice;

The Notice of Assignment;

Statements of account;

Thesedocuments would be expected to be supplied if proceedings were issuedand would likely be in your possession if you were issuing a claim.If you consider that there is difficulty in providing a copy of adocument, please identify that document and the reason. Additionally,there is a duty to supply documents under the Consumer Credit Act1974. A request has been made under s.78 on 10 ^th april 2015 and I am awaiting a response.

Ishall be able to provide you with a full response to your letterwithin 14 days of receipt of the documents listed above and alsoreserve the right to refer to the contents of this letter ifproceedings are issued without first providing copy documents to me.

Yourssincerely,

the thing is it is to be statuted barred on the 26th june how long do you think this process will take iv got just 5 weeks ish . i contacted the original company and they did send me my signed cca and statements the thing is will they be able to get them that quick thanks .

bryanand carter/lowell claim letter

Payplan DMP length

I have been in a DMP with Payplan for the last 10 years, the end of the DMP states 2092, which I know I definitely will not be here. How can they still take money of me for 10 years, I thought the plans only lasted 5 years

Payplan DMP length

Taxi Driver complaint

A taxi driver friend has received a letter from his local licensing office telling him a complaint against him has been received from a member of the public. He received a letter outlining various issues. The licensing office contacted the customer who agreed they were not happy. The driver gave a statement from his point of view. Thinking that would clear it up he carried on with his job. A short time later he was shocked to receive a further letter from the licensing office informing him that they were looking to suspend or remove his license to driver a taxi citing rude, aggressive and dangerous driving as the grounds. On reading the enclosed papers he was astonished to discover that an enforcement officer had emailed the witness (member of public) thanking him for the initial email, however, he further asks him (and i quote) can you recall what was said by the driver specifically? and specific phrases that were used for example? the email then goes on to say (again i quote) as your statement is from a completely separate bystander it will carry considerable weight if it confirms the passengers statement.

A further statement was made by the witness that has been really enhanced (jazzed up / sexed up) with words and phrases that bears no relevance to his original statement and certainly does not support what the customer says. This request was 2 weeks after the initial email of complaint. The question is....can this email requesting more info be legal? telling someone their statement will carry more weight will surely make that person feel so important they will say anything. imagine a police officer getting a statement and then 2 weeks later telling a witness that his statement is too vague and needs to be enhanced to ensure a conviction, i would think that police officer would be prosecuted for getting a witness to make startling allegations that are not supported by the passenger statement.

Any help on these points would be appreciated. I find it bizarre and obscene that a licensing authority can do this to obtain alleged evidence of wrong doing. Am i or my friend missing something here? Just been informed that the passenger claimed she was disabled (no physical evidence to support this claim) and cannot possibly read or write. The licensing office manager wrote her statement.

Taxi Driver complaint

dodger12 - PCN from smart parking

hi, can anyone please advise, I received a pcn from smart parking for overstaying on asda store brighton, the date of contravention was 7/4/2015, I received letter in the post on 18/4/2015, I had disabled badges in the window there were no notices to say I couldn't park or stay there for any length of time, I know im allowed to park on double yellows for 3hrs with disabled badges, it show my vehicle entering site at 11.15.43 & vehicle exiting site at 15.23.18, on the letter it says £40 must be paid within 14 days & as I only received the letter in the post on 18/4/2015 that is giving me 3 days notice before the charge goes to £70 could you please advise me on who these smart parking people are & how I stand with this pcn... regards dodger12

dodger12 - PCN from smart parking

dodger12

Set aside app / Landlord/Tenant claim

Basically long story short! My ex landlady is taking me to court for 'damages' this includes her having to pay out for carpet cleaning, new carpets (as they didn't clean, paint to redecorate, a new window (because the lock was broken), cleaning supplies and lightbulbs...

We recieved all her court papers in March. We rang the court office straight away because we had no idea how to respond to the form. They said we should receive forms soon.

A week went by I rang them and they said they will send another form out. Another week went by and still nothing so I rang again and they sent another one!!

I finally received that and filled everything out and sent that off within a week. A week later I recieved a letter from the judge demanding me to pay the landlady because I hadn't responded in time!! They also never told me I could get the form online!

I rang the court office again and explained what I'd recieved they acknowledged I'd rang them multiple times and would speak to the judge.

I recieved a letter from judge today stating he'd already made a decision and if I wanted him to reconsider I'd have to pay £150 to set the application aside!!

All of this has caused me so much stress I've felt so physically ill and my doctors now put me on anti depressants and counselling (I have other things going on too but this is just icing on the cake!!)

I don't know what to do. If I pay the £150 do I get that back if I win the case? Or am I £150 down due to their mistakes? I can't afford to just throw that kind of money around I have 2 kids to think of!

I've also read that even if i do pay the £150 that still doesnt mean the judge will consider my response! Also my landlady never put the £450 in a deposit scheme , even though ive got the money back can i claim for her not putting the money in there? & Who would pay the 150? Would i have to claim that from the landlady or would that be another case!?

TIA

Set aside app / Landlord/Tenant claim

Court office didn't send appropriate forms and I missed my deadline!!!! HELP

Erudio student loan deferral and Car Salary Sacrifice

Hi all, new to the forum so sorry if this is in the wrong place. Long time lurker on the forum , seems like a fantastic community and happy to be part of it.

I am attempting to defer my ERUDIO student loan.

I am signed up to a salary sacrifice car scheme at work. My understanding is that Student loan repayments are based on gross pay which reduces as a result of the salary sacrifice scheme. In my case my gross pay is pushed below the deferment threshold as a result of the Salary sacrifice scheme and my thinking is they should use this 'reduced' gross when deciding my entitlement to defer.

Erudio are now causing me problems and claiming I told them about my NET salary and i must now confirm my GROSS salary by providing the past three months wage slips. This is bizarre because I didn't mention NET salary and I provided the past SIX months wage slips which clearly show the reduced GROSS salary due to being on the salary sacrifice scheme.

Does anyone know if they will use the reduced gross salary when deciding my entitlement to defer or do they base it on my salary before the salary sacrifice. Bear in mind a salary sacrifice is not a deduction, it is an agreement to forgo part of my salary.

Any advice on how to proceed greatly appreciated.

Many thanks

Erudio student loan deferral and Car Salary Sacrifice

Premier Parking Solutions

I've recently received a letter from Debt recovery Plus about an unpaid parking fine issued by Premier Parking Solutions. Advice online was that these parking companies have no legal right to ask me for £160 in unpaid charges. Has that now changed? Should I pay the charge?

Premier Parking Solutions

Moneyway Car Finance "Supply of Goods" (Implied Terms) Act 1973

Hi Guys.

Just a bit of advice if possible.

I purchased a car from carcraft back in June 2013 and have so many issues with it since.

Brief history...

car purchased June 13 car broke down August 13. And toed back to carcraft. Explained that the car was a non starter and that there is a smell of diesel coming from the blowers. Job sheets says non start. starter motor fitted. No work done on diesel smell. Car then broke down again about 3 months later same issue. Back to carcraft 2nd starter fitted. About 4-5mths later same issue again. Took it to another garage explained about the diesel smell and they put in another starter motor (3rd)

Fast forward..... this starter motor changed again by another garage. The new garage has informed me that there is a diesel leak in the engine that is dripping on the starters and killing them.

Contacted trading standards who advised I should make a claim against the finance company Moneyway. Under the Supply of Goods (Implied Terms) Act 1973. Which I have done. The car is currently broken again and appears to be the Alternator again according to my garage probably due to the diesel leak. Got a call from Moneyway saying they need more info. Which I'm about to provide all the work completed on this car in the form of job sheets. Moneyway have told me not to get work done anywhere else or it will void my warranty. Which has already run out with carcraft anyway. Does anyone know my rights going forward.

Thanks guys

Mike

Moneyway Car Finance "Supply of Goods" (Implied Terms) Act 1973

Divorce HELP - EEA family member rights after divorce

Hi,

I need urgent help, I have been residing in the UK since 2007 with my EEA national husband. I have been married to my husband for 22 years now. My husband is a disable pensioner and he owns our house. I have never worked in my life as i was looking after my children. My husband is now planning to file a divorce case so I want to ask you that am i eligible for anything e.g. financial help and share in the house.

Divorce HELP - EEA family member rights after divorce

HM Passport Office warns customers against charges by rogue companies – News stories

As the summer holidays approach, Her Majesty’s Passport Office is reminding people to contact them directly for any passport enquiries. Contact them on 0300 222 0000 Copycat websites offer basic information about the passport application process and can appear to be the official agency, but charge a premium for their services.Some companies are reported to... Read more »

Read More -> HM Passport Office warns customers against charges by rogue companies – News stories – GOV.UK

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HM Passport Office warns customers against charges by rogue companies – News stories

Cabot, Experian, Some advice please

Hey everyone,

I am after some advice regarding an account registered on my Experian credit report, it states the account started in March 07 and went to default in July 09.

The default balance and the current balance are different amounts, having gone up over time. My name is miss spelt and they have the wrong year of birth registered.

I can not remember ever contacting Cabot but can not be 100% sure.

Please could I have some advice on this as I want to get it sorted out before they take any kind of court action as I have heard even after it falls off the credit report given the 6yr rule they have tried to take people to court. So I am wondering is there anything I can do before they try and possibly take this to court.

Thanks in advance for any comments

Paulie

Cabot, Experian, Some advice please

Hi to all - help with parking charge please :)

Annoyed at parking fine of up to 70.00 for staying over by 16 minutes. Parking charge from ParkingEye. If i pay it by 23 Apri it will be 40.00. Can anyone tell me if its enforcable. Its exsesive for 16 minutes. Thanks.

Hi to all - help with parking charge please :)

Taking a USA company to court

Hi all :)

Simple question. I am forced to take legal action in the LA small claims Court against a US based company.

It means flying over there to attend the trial.

Does anyone know if I can claim my flight costs should I win the case?

Taking a USA company to court

collectica Notice Of Attendance

employee lied about her planned maternity leave.

vendredi 17 avril 2015

i'm a NJ employer operating a small company of 6 full-time employees and 3 part-time employees. our receptionist, a full-time employee, has been pregnant and we have been collaboratively planning for her maternity leave in a couple months. it turns out she misled us, and with no notice, had her non-emergengy c-section approximately 9 weeks prior to the date she gave us. she simply didn't show up for work on monday, and when we called her, we learned that she had had her c-section over the weekend, and she stated that she was beginning her maternity leave immediately.

we're unsure how long she will be gone, and are seriously questioning whether she will be coming back at all. she has not wrapped up any of her work, cleared her desk, etc. we are now having to search for and train a replacement on no notice, when this is a position which we originally promoted from within, as there is considerable background knowledge required. must i offer her job back to her when she chooses to return, if she is granted short term disability? is there an exemption for NJ small employers relating to job protection? the costs of hiring and training a temporary replacement on no notice, including the associated lost income could very well jeopardize my business, and the job security of the remainder of my reliable employees.

employee lied about her planned maternity leave.

Some advice on a very old better - if someone could help?

All.

Thank you in advance for any advice that can set my mind at ease.

Over the past 12 months while lurking on this forum I have been writing to "Capquest" a debt collection agency.

A long story short - I had a credit card which in 2008 I could not pay. I started a debt mangement plan in September 2008 and made a minimum payment to the CC company (Lloyds Bank) via the DMP company. The payments to the DMP continued until April 2009 and I then moved abroad and for one reason and another I stopped paying.

I returned to the UK in April 2013 and in August 2014 Capquest started to write to me. I believe they found me thorugh my Bank (?)

Anyway, I looked through this forum and sent a request with standard postal order fee for £1 for a copy of the original credit agreement T & C's and statement of payments etc at the end of September 2014.

In October 2014 I recieved a copy of a credit agreement with my signature and dated April 2007 but when i examined the Credit Card Agreement terms I saw that under the heading "Parties" my name was there with my old address and the other party was Halifax plc and on page 9 there was a second copy of page 1 and on this was also the "Parties" IE: Me but at a different address (which i lived at 2 years after taking out the agreement) and under the other "Parties " it said Royal Bank of Scotland. Naturally I wondered how this constituted a true copy of the original agreement if my address was not where i lived when signing the agreement.

I queried this with Capquest ( November 2014) and this week I received a repy to my letter seeking clarification.

They said

" The address on the copy of the agreement is Bank's address where the account was opened. The address on the terms and conditions is the default address where the account would be registered to " I moved to the second address 2 years after taking out the credit card. I am not satisfied with that answer and wondered whether anyone would care to comment = Please?

Lastly, the statements of the account show that the last payment made through the DMP was 15 April 2009. As I have the ongoing query, which i dont believe has been answered satisfactory and i have made no acknowledgement of the debt other than to query which agreement they felt they were claiming repayment on. Plus no payment have been made since 15 April 2009, Is this now statute barred ?

Thanks in anticipation of your valued advice.

Ordinary Bloke

Some advice on a very old better - if someone could help?

Lowell chasing

My partner has recently started receiving letters from Lowell chasing him for a debt to a company called BGL.

He can't recall ever dealing with the company let alone owing them money.

In order for him to find out what this debt is for and if he actually owes it Does he just go down the route of sending a CCA request for more information and evidence reguarding this debt??

thanks in advance.

Lowell chasing

data breach?

Friend who works for a small employer (10) had to go for a check up today

medical reason was told in confidence to the boss.

A few hours later friend gets a call from colleague asking if everything was okay and discussing what had been told in confidence to boss earlier.

Friend understandably livid at her boss for discussing private and personal matters to work colleagues. What if anything can friend do ?

Called ACAS who said look at possible confidentiality clauses in contract ?

Any other suggestions or advice appreciated.

data breach?

Award costs rejected

Hello

I have just finished my ET and I lost... it was for unfair dismissal. It was very stressful. Immediately after the decision was read out the respondents party requested a costs award. Sorry if that not the correct term. Luckily the judge rejected it citing a number of reasons.

My question is, can that be appealed by the respondent?

Thanks

Award costs rejected

FCA WARNING: LoanAxess Limited

We have published this statement to warn consumers against dealing with unauthorised firms.

http://ift.tt/1ERFHuh

FCA WARNING: LoanAxess Limited

FCA WARNING: Atticus Holdings International (clone)

We have published this statement in order to warn investors against dealing with unauthorised firms.

http://ift.tt/1DeOIba

FCA WARNING: Atticus Holdings International (clone)

FCA WARNING: Brookbourne Trading Limited

We have published this statement to warn investors against dealing with unauthorised firms.

http://ift.tt/1wHxLVb

FCA WARNING: Brookbourne Trading Limited

FCA WARNING: Hermay Limited

We have published this statement to warn investors against dealing with unauthorised firms.

http://ift.tt/1yzF0Vj

FCA WARNING: Hermay Limited

Bank Default also Passed On To Debt Agency No Notifications £150 Compensation Offered

Hi all,

I'm after a bit of advice any help will be much appreciated, thank you.

I was wondering where I stand with a no notification Bank default also of no notification of them passing it on to a debt agency,

the bank has admitted this to me today and offered me compensation of £150

I had a default registered on my credit file since December 2010 for £400, this debt was solely bank charges!

The debt originates from a gym membership subscription (which I had tried so much to cancel), the bank had never ever paid anything if there was no funds in the account as I never had an overdraft facility with them, but for some reason they paid this monthly fee of £30 (they just paid it once), at the time I remember going into the branch and asking why they paid this as its now left me overdrawn and also with £30 bank charge (Which escalated to the £400!) I can't remember their exact reply but basically they palmed me off with talk, so I refused to pay this debt because they shouldn't have paid this £30 as I had no funds in the account at the time.

Any how the debt was passed to a debt agency and I was offered a settlement figure to pay £234 to clear this debt,

So I took them up on there offer and paid it off,

My credit file was updated by the dca to default 8 £0 but the bank never updated so I've been chasing them since February to update this debt, I finally got some answers today as why it hasn't been updated, as mentioned above the two no notifications,

Today they offered to mark the debt as a 6 instead off an 8 as partial settlement dated 29/01/2015 with£150 compensation,

Should I accept this?

Kind regards

Aim

Bank Default also Passed On To Debt Agency No Notifications £150 Compensation Offered

News story: CMA confirms Poundland/99p Stores merger referral

The CMA has referred Poundland Group plc’s anticipated acquisition of 99p Stores Limited for an in-depth phase 2 investigation.

More...

News story: CMA confirms Poundland/99p Stores merger referral

EBAY SCAM : VW Westfalia Camper free road tax | RFM331L - Fraud - RFM 331L | 17-Apr-1

PLEASE BE #SCAMAWARE - READ THIS -->

See more - follow to see listing...

If you have found this post it is likely you have been looking at an advert to purchase an item like this. Please check the link for the listing number as although this SPECIFIC LISTING has been reported as a potential scam others may be genuine.

If you have found this post and it has helped prevent you becoming a victim of a scam or has even made you investigate further when researching potential purchases online - please register on the site and let us know.

If in any doubt please READ THIS THREAD and post in the main Scams / Fraud forum.

________________________________________

http://ift.tt/1cCAATC / pariva8 ( )

UKVehicle.com Car Checks

*

The scam above was copied from this :-

Script from genuine/original listing:-

Hi, I've decided to sell my T2 Bay Window Camper. Rare RHD proper pop top Westfalia conversion. As you can see from the pictures it is pretty good although not perfect. There are a few areas that have a few bits of rust or paint bubbles but generally a well loved bus. It comes with a drive away awning and has a full rock and roll bed and a small double in the pop top with a bunk that fits over the cab. All the bits that are meant to work do work, except the tap on the sink (it may work, I just don't use it). It has got 4 new tyres and is Road Tax free. MOT 9 months left and very reliable. The mileage reads 33934 but we don't know how many miles it has actually done. Please message with any questions or if you want to come and see it. Van is advertised elsewhere so may be withdrawn at any time. Cash or cleared funds thank you.

Thanks for looking.

*

Script from scam listing:-

Hi, I've decided to sell my T2 Bay Window Camper 1.6 ltr Petrol, 5 Berth,

. Rare RHD proper pop top Westfalia conversion.

As you can see from the pictures it is in very good

condition, a well loved bus. I've not had to have any major mechanical work done on it.

I've done: New inner and outer rear lower panel. N/R quater and battery tray. N/S/F

step has been changed. It is fitted with electronic ignition and has had a new carb.

It comes with a drive away awning and has a full rock and roll bed and a small double in

the pop top with a bunk that fits over the cab. All the bits that are meant to work do work,

except the tap on the sink (it may work, I just don't use it). It has got 4 new tyres

and is Road Tax free. MOT left and very reliable. The mileage reads 33934.

It has got seat belts in the back.The van is very reliable with no (known) faultsPlease message

with any questions . You can come and collect it.

Thanks

*

Posted on eBay by cyber-criminals on 17-Apr-15 at 10:11

Reported to eBay by Buster Jack on 17-Apr-15 at 14:20

Total eBay Vehicle Scams after 17 days of April 2015 : 0040

Total to date since April 2013 : 18,728

VALUE OF BUSTED SCAMS SINCE APRIL 2013 : c. £93.6 million / US$138 million

Daily average over 728 days: £129,000 / US$192,000

(as of 17-APR-15)

*

See more - follow to see listing...

EBAY SCAM : VW Westfalia Camper free road tax | RFM331L - Fraud - RFM 331L | 17-Apr-1

08005610170 / 0800 5610 170 CAPITAL ONE - GROWL.... Other

08005610170 / 0800 5610 170 CAPITAL ONE - GROWL....

0800 5610170 13.28

Capital One

Well weird as heck that - answered phone, no one there just a sound affect (presumably - not sure where their call centre is - could be a cry for help ....) of a growling Lion or Tiger or something played down the phone at me.... well at Tools actually .... very bizzare

Type of Call

Other

Call Features

Recorded Message

Opt Out option given ?

Are you registered with TPS ?

For advice dealing with nuisance calls view http://ift.tt/1qFf3gp

Attached Images

2015-04-17 13_38_04-Lion HD desktop wallpaper _ Widescreen _ Fullscreen _ Mobile _ Dual Monitor.png (330.8 KB)

08005610170 / 0800 5610 170 CAPITAL ONE - GROWL.... Other

Tribunal increases ICO fine over unsolicited marketing by 50%

A UK court has increased the level of fine imposed on a business which made unsolicited marketing calls to people signed up to the Telephone Preference Service TPS by 50%. The First-tier Information Rights Tribunal said that “aggravating factors” justified its decision to impose a £75,000 monetary penalty on Reactiv Media over its breach of... Read more »

Read More -> Tribunal increases ICO fine over unsolicited marketing by 50%

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Tribunal increases ICO fine over unsolicited marketing by 50%

Lowell Portfolio / Bryan Carter Solicitors - Not Complying with CPR 31

Hello,

After receiving a county court claim for a sum of £5,500 including court fees. I sent a request under CPR 31.14 to Bryan Carter Solicitors and they replied as below:

“We confirm this matter will most properly be allocated to the Small Claims Track as this is a simple contractual matter and Part 31 of the Civil Procedure Rules will therefore not apply. In any event the Notices of Default and Assignment left the control of the Claimant when they were dispatched to you.

It is the original creditor’s policy to issue agreements at the start of the contract and statements throughout the duration of the agreement and, in this regard, we ask you to refer your own records.

In this regard our client is not agreeable to an extension for you to file a Defence.”

Can anyone help.

Regards,

Lowell Portfolio / Bryan Carter Solicitors - Not Complying with CPR 31

Need help with a work dispute

Dear all,

im currently in the middle of a work dispute whilst on maternity leave.

I Need some insight into the what employers can and can't do in terms of benefits offered by them- in particular medical benefits.

in 2013 the company sent out a communication stating that we could receive a variety of benefits (ie medical, dental etc) and advised to log on and choose the benefit. I did not do this as I did not want the benefits at the time.

They have since submitted to HMRC that I am receiving it and my tax code has been significantly lower due to this.

My question is, if this is a non contractual benefit (therefore it's not within my contract terms) and I have not signed anything to authorise the medical benefit and deduction being made- can my company still go ahead and deduct it if only an email communication was sent out about it?

And what should I do as they are saying that I have already received the benefit so can't refund me what I've been taxed??

any advice will be much appreciated.

p.s. I was not aware I was receiving this benefit until I received a letter from the medical insurer with a username and password to log in and see what I could benefit from- this was received in end of July 14

Need help with a work dispute

Derbyshire CC help Erewash Credit Union to expand online services

Everyone who lives and works in Derbyshire can now do it online. We’ve given Erewash Credit Union (ECU) £44,000 to develop a new website to improve access by allowing customers to sign up and manage their accounts online. There are five credit unions in Derbyshire but ECU operates under a ‘common bond’ which means it... Read more »

Read More -> Derbyshire CC help Erewash Credit Union to expand online services

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Derbyshire CC help Erewash Credit Union to expand online services

Jacobs Enforcement Agents

Hi all.

Hope someone would be able to help me out. Last Friday our previous landlord called my husband and asked to come around as there was some important letter. He went and found a letter which apparently was delivered by hand and stated that withing 24 hr they will come and remove the goods. This was completely out of the blue. We haven't seen any letters in the past nor someone at the door. Now we don't live at the address since last November, but we had brilliant relationship with previous landlord, he always used to pass all the correspondence to us plus we had all our post delivered to our new address. I spoke with the agent named on the letter and managed to get hold of the head office to request the break down of the fee they charging us, but I cannot understand how come there was no letters, we haven't received any of them hence we didn't knew whats going on. Has anyone has any advice of how to deal with that?

By the way, they acting on behalf of Lancashire parking, for the parking fee.

Jacobs Enforcement Agents

Black Horse / UDT

Good Morning,

I have just finished a journey with Black Horse through the small claims court. I lost my case but after 18 months of "fighting" with them I felt that this was the only option left.

We had agreements with Black Horse but also with another company that was part of the Lloyds Group, United Dominions Trust. Some had PPI, some did not. I am aware that there was a time lag, (mid 90's) but other people have reclaimed from Lloyds from the early 90's, so nothing ventured, nothing gained.

Over the course of the first twelve months, I sent 3 subject access requests and a further letter to the CEO and, they did find recent Black Horse agreements but none relating to United Dominions Trust.

They have admitted that records relating to UDT do exist but that any papers are filed in agreement order and since I cannot provide agreement numbers, they can be of no assistance.

Black Horse chose to fight my case every Inch of the way and at no time did they make any sort of offer, nor compromise.

The Judge was pretty amazing, just a perfect gentlemen. So (representing myself), the Small Claims Court is nothing to be afraid of. Although I was so nervous I must have come across as a complete idiot.

at the first hearing, I was given papers relating to the Statute of Limitations. I have a difficulty with concentration so couldn't even see the writing, never mind understand the words. I asked the judge for an adjournment, which he granted. He also made a formal order for Black Hor to try and find the outstanding records.

to cut a long story short, nothing could be found and so at the second hearing, the judge "recluctantly" found in favour of Black Horse. He complimented me on the stand of my case presentation paperwork and said that he was sorry.

it is also fair to say that the barrister present and handling the second hearing was also a gentlemen, who actually took the time to explain the Black Horse situation to me. It was a pity that Black Horse had not chosen to do that previously.

Obviously, I have nowhere left to go now with this case. Would I use the small claims system again? Without a doubt. The only down side is that the FCA do seem to take the whole picture into account whereas the courts seem to be more restrictive in what they can look at. The process cost me £100.00 (which although I can ill afford to lose, I felt it was worth it), however in defending my case, I believe it has cost Black Horse thousands.

i have related this story in the hope that it will encourage anyone out there who is being given the run around to keep on trying. Additionally, when the new MPs are in situ, I will ask that my MP forward papers to the Ombudsman to show that companies (Lloyds Group) still appear to be obstructive and, in my view not strictly "honest"

As always, many thanks to DI and Victoria xxxxxx

Best Regards

:beagle:

Black Horse / UDT

News story: CMA provisionally decides to proceed with Ryanair/Aer Lingus remedies

jeudi 16 avril 2015

The CMA has provisionally decided that there is no material change in circumstances or special reason for it not to implement the remedies in the Ryanair/Aer Lingus inquiry.

More...

News story: CMA provisionally decides to proceed with Ryanair/Aer Lingus remedies

Motorists’ pockets being plundered by retailers, says AA

The AA has accused fuel retailers of “plundering drivers’ pockets” by putting up the price of petrol and diesel disproportionately. Over the last month it said that the price of oil has fallen by nearly 5% – whereas petrol prices are up by 1.2%. It said motorists are now paying an extra 1.73p a litre... Read more »

Read More -> Motorists’ pockets being plundered by retailers, says AA

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Motorists’ pockets being plundered by retailers, says AA

EBAY SCAM : 2000 Peugeot Boxer 1.9 TD Motorhome Autocruise Starfire | RED269M Fraud R

http://ift.tt/1Hdnt6P

Hacked eBay account : ohenewaah (26

)

UKVehicle.com Car Checks

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Source and Evidence

http://ift.tt/1Hdntnj

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Posted on eBay by cyber-criminals on 17-Apr-15 at 01:48

Reported to eBay by Buster Jack on 17-Apr-15 at 03:36

Total eBay Vehicle Scams after 17 days of April 2015 : 0039

Total to date since April 2013 : 18,727

VALUE OF BUSTED SCAMS SINCE APRIL 2013 : c. £93.6 million / US$138 million

Daily average over 728 days: £129,000 / US$192,000

(as of 17-APR-15)

Autocruise Starfire

Full service history.

She has also had a reconditioned gearbox last summer, a new clutch, timing belt, front brake pads and a new domestic water pump.

MOT due February 2016 and tax until 30 August 2015.

Any questions do get in touch please.

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EBAY SCAM : 2000 Peugeot Boxer 1.9 TD Motorhome Autocruise Starfire | RED269M Fraud R

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